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kane · 09-03-2004, 10:57 AM

several years ago I worked for a company that did total loss valuations for car insurance companies. If a car was totaled or stolen and never recovered this company came up with a value for the insurance company. I can tell you that most insurance companies use companies like the one I worked for and they hire them because the company gave them the lowest average value for the cars so it saves them money.

you are on the right track. First, photocopy 3-5 ads for cars like hers in your area. You might even call the people selling the car and ask them about it and how firm they are on the price. If they have sold the car then ask them if they got close to what they were asking. you'll be surprised at how helpful a lot of people will be if you explain your situation. Also the sold cars are the best because it represents not "what they are asking" but " what they actually got on the market for that car" . Then use the blue book to to "book" out the value of her car and call a couple of dealers in the area that sell that type of car. Ask to speak to the used car manager. Explain to him what happened and what you are doing ( be nice and quick because they are busy ) tell him the book value of the car ( obviously what type of car it is and such ) and ask him if he could expect to get around the book price for a car like that if he had on on his lot. Write down whatever he says.

The first things you got are called comparables ( similar cars for sale or sold in the area ) the second thing you got is a dealer quote. Call the insurace company back and talk to the adjuster working on your case and tell him/her that you have X# ( however many you got, the more the better ) comparables and a couple of dealer quotes all putting the market value of that car at ( insert whatever the price range is ) so based on that info your car should be worth ( insert whatever you feel you want for it that is within that price range ) Explain that you are not trying to get rich or screw them over you are just trying to get what is fair. Tell them that you didn't ask to be hit by their client and that you planed to keep the car because you were attached to it and liked it and remind them that it is their clients fault that this whole mess has occured. Let them know you have contacted a couple of attorneys but that you would rather not deal with it that way as that would be a pain in the ass. If they refuse to give you what you want tell them that you will give them 24 hours to change thier mind and that if they would like you can fax them the information you have. If you do not hear from them within 24 hours then you will be forced to persue this further with an attorney representing you.

I've seen a lot of peole get screwed over by car insurance companies and I've also seen that the insurace companies basically screw eveyrone over even if it's just for a couple hundred dollars ( a few hundred times 300-400 cars a day adds up pretty fast. ) If you make enough noise, prove to them that you have done your homework and know the value of the car and that you are willing to fight, there is a good chance they will give in and meet your demands and come to an agreeable setlement with you.

as for the injuries that's another story and I don't know much about that part of it but hopefully this post will help you with the car part of it.

09-03-2004, 10:57 AM
kane Too lazy to set a custom title Join Date: Aug 2001 Location: portland, OR Posts: 20,684	several years ago I worked for a company that did total loss valuations for car insurance companies. If a car was totaled or stolen and never recovered this company came up with a value for the insurance company. I can tell you that most insurance companies use companies like the one I worked for and they hire them because the company gave them the lowest average value for the cars so it saves them money. you are on the right track. First, photocopy 3-5 ads for cars like hers in your area. You might even call the people selling the car and ask them about it and how firm they are on the price. If they have sold the car then ask them if they got close to what they were asking. you'll be surprised at how helpful a lot of people will be if you explain your situation. Also the sold cars are the best because it represents not "what they are asking" but " what they actually got on the market for that car" . Then use the blue book to to "book" out the value of her car and call a couple of dealers in the area that sell that type of car. Ask to speak to the used car manager. Explain to him what happened and what you are doing ( be nice and quick because they are busy ) tell him the book value of the car ( obviously what type of car it is and such ) and ask him if he could expect to get around the book price for a car like that if he had on on his lot. Write down whatever he says. The first things you got are called comparables ( similar cars for sale or sold in the area ) the second thing you got is a dealer quote. Call the insurace company back and talk to the adjuster working on your case and tell him/her that you have X# ( however many you got, the more the better ) comparables and a couple of dealer quotes all putting the market value of that car at ( insert whatever the price range is ) so based on that info your car should be worth ( insert whatever you feel you want for it that is within that price range ) Explain that you are not trying to get rich or screw them over you are just trying to get what is fair. Tell them that you didn't ask to be hit by their client and that you planed to keep the car because you were attached to it and liked it and remind them that it is their clients fault that this whole mess has occured. Let them know you have contacted a couple of attorneys but that you would rather not deal with it that way as that would be a pain in the ass. If they refuse to give you what you want tell them that you will give them 24 hours to change thier mind and that if they would like you can fax them the information you have. If you do not hear from them within 24 hours then you will be forced to persue this further with an attorney representing you. I've seen a lot of peole get screwed over by car insurance companies and I've also seen that the insurace companies basically screw eveyrone over even if it's just for a couple hundred dollars ( a few hundred times 300-400 cars a day adds up pretty fast. ) If you make enough noise, prove to them that you have done your homework and know the value of the car and that you are willing to fight, there is a good chance they will give in and meet your demands and come to an agreeable setlement with you. as for the injuries that's another story and I don't know much about that part of it but hopefully this post will help you with the car part of it.